Federal credit union · BRADFORD, Pennsylvania · NCUA charter #13823
Bradford Area
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $11.6M
- Total assets
- 1,398
- Members
- 10.9%
- Net-worth ratio
Bradford Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13823. See our deposit-insurance coverage note.
Bradford Area - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)27
- Member growth51
- Liquidity (loan-to-share)92
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.90% | 30% |
| Delinquency Rate | 0.62% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | -0.71% | 15% |
| Loan-to-Share Ratio | 64.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.6M | 1,398 |
| 2024Q4 | $11.5M | 1,408 |
| 2023Q4 | $9.7M | 1,668 |
Credit Union Details
- Charter Number
- 13823
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- BRADFORD
- Data Quarter
- 2025Q4
What This Data Says About Bradford Area
Bradford Area is a federal credit union headquartered in BRADFORD, Pennsylvania, serving 1,398 members with $11.6M in total assets and $6.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 79/100 (Very Good), anchored by a net worth ratio of 10.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13823 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.62% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 64.74% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.06% on net income of $-6616 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bradford Area financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Bradford Area carries a financial health score of 79/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.90% net worth ratio and a 0.62% delinquency rate.
How does Bradford Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Bradford Area's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bradford Area?
Bradford Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bradford Area directly for the exact boundaries and application steps.
Is my money safe at Bradford Area?
Federal credit unions like Bradford Area are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bradford Area's net worth ratio of 10.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bradford Area offer compared to banks?
Credit unions like Bradford Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bradford Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.